What insurance can be claimed for damage to your own vehicle?
3 Answers
For damage to your own vehicle, you can claim under Vehicle Damage Insurance, Third-Party Liability Insurance, or Spontaneous Combustion Insurance. The details are as follows: Vehicle Damage Insurance: Vehicle Damage Insurance covers losses to the insured vehicle caused by natural disasters (excluding earthquakes) or accidents within the scope of insurance liability. The insurer compensates according to the terms of the insurance contract. This is the opposite of third-party liability. If you value your car, you should purchase this coverage. Third-Party Liability Insurance: This is a compulsory insurance required for vehicle annual inspections. It covers property damage and personal injuries to third parties caused by accidents involving the insured vehicle when driven by a qualified driver. Spontaneous Combustion Insurance: This insurance covers vehicle damage and reasonable rescue expenses caused by the vehicle catching fire due to faults in the electrical system, wiring, fuel supply system, or spontaneous combustion of transported goods. It is not recommended for new cars but should be considered for vehicles over three years old.
If my car is damaged, whether due to an accident or a natural disaster such as a collision or hail damage, I can generally file a claim under the vehicle damage insurance. Vehicle damage insurance is part of commercial insurance and specifically covers the loss of my own vehicle. When filing a claim, I need to first take photos as evidence and then contact the insurance company to report the incident. They will send an assessor to evaluate the damage, after which I can choose a repair shop to fix the car, with the costs directly covered by the insurance company. However, vehicle damage insurance has a deductible, meaning minor scratches may require me to bear part of the cost. Additionally, if the accident is a single-vehicle incident, the vehicle damage insurance can handle it; if it's a multi-party accident involving the other party's liability, the other party's third-party liability insurance may be required for compensation, but using my own vehicle damage insurance is often more convenient. I recommend ensuring adequate coverage and regularly reviewing the policy to avoid confusion in case of unexpected events.
As a new car owner, I was always worried about what to do if my car broke down while learning to drive. Later, I learned that if the car is damaged, the main coverage is through the vehicle damage insurance. This insurance is part of commercial insurance and covers repairs to your own car. For example, if my car is scratched while parked on the roadside, the vehicle damage insurance can reimburse the repair costs. The process is not difficult—I need to take photos of the damage, call the insurance company to explain the situation, and they will quickly handle the claim. However, for minor damages like tire wear, I might have to pay out of pocket; in major accidents involving personal injury, compulsory traffic insurance only covers others, and my own part still relies on vehicle damage insurance. When choosing insurance, it's important to compare coverage amounts and deductible ratios—don’t skimp on necessary coverage just to save money. Driving carefully in daily life can reduce the risk of claims.
